2 year fixed rates – 65% LTV
2 year fixed
4.15%
Fixed to 01/06/2027
£1,995 product fee
65% loan to value
Early Redemption Charges
1.5% to 01/06/2027
Apply Now2 year fixed
4.25%
Fixed to 01/05/2027
£995 product fee
65% loan to value
Early Redemption Charges
1.5% to 01/06/2027
Apply Now2 year fixed
4.68%
Fixed to 01/06/2027
no product fee
65% loan to value
Early Redemption Charges
1.5% to 01/06/2027
Apply NowVirgin Money mortgage rates for existing customers as of March 28, 2025
5 year fixed rates – 65% LTV
5 year fixed
4.04%
Fixed to 01/06/2030
£1,995 product fee
65% loan to value
Early Redemption Charges
3.5% to 01/06/2030
Apply Now5 year fixed
4.12%
Fixed to 01/05/2030
£995 product fee
65% loan to value
Early Redemption Charges
3.5% to 01/06/2030
Apply Now5 year fixed
4.33%
Fixed to 01/06/2030
no product fee
65% loan to value
Early Redemption Charges
3.5% to 01/06/2030
Apply NowVirgin Money mortgage rates for existing customers as of March 28, 2025
3 year fixed rates – 65% LTV
3 year fixed
4.20%
Fixed to 01/06/2028
£995 product fee
65% loan to value
Early Redemption Charges
2.5% to 01/06/2028
Apply Now3 year fixed
4.63%
Fixed to 01/056/2028
no product fee
65% loan to value
Early Redemption Charges
2.5% to 01/06/2028
Apply NowVirgin Money mortgage rates for existing customers as of March 28, 2025
2 year fixed rates – 75% LTV
2 year fixed
4.25%
Fixed to 01/06/2027
£1,995 product fee
75% loan to value
Early Redemption Charges
1.5% to 01/06/2027
Apply Now2 year fixed
4.35%
Fixed to 01/06/2027
£995 product fee
75% loan to value
Early Redemption Charges
1.5% to 01/06/2027
Apply Now2 year fixed
4.70%
Fixed to 01/06/2027
no product fee
75% loan to value
Early Redemption Charges
1.5% to 01/06/2027
Apply NowVirgin Money mortgage rates for existing customers as of March 28, 2025
5 year fixed rates – 75% LTV
5 year fixed
4.17%
Fixed to 01/06/2030
£1,995 product fee
75% loan to value
Early Redemption Charges
3.5% to 01/06/2030
Apply Now5 year fixed
4.25%
Fixed to 01/06/2030
£995 product fee
75% loan to value
Early Redemption Charges
3.5% to 01/06/2030
Apply Now5 year fixed
4.39%
Fixed to 01/06/2030
no product fee
75% loan to value
Early Redemption Charges
3.5% to 01/06/2030
Apply NowVirgin Money mortgage rates for existing customers as of March 28, 2025
3 year fixed rates – 75% LTV
3 year fixed
4.30%
Fixed to 01/06/2028
£995 product fee
75% loan to value
Early Redemption Charges
2.5% to 01/06/2028
Apply Now3 year fixed
4.65%
Fixed to 01/06/2028
no product fee
75% loan to value
Early Redemption Charges
2.5% to 01/06/2028
Apply NowVirgin Money mortgage rates for existing customers as of March 28, 2025
Virgin Money existing customer – new mortgage rate – the process
- Secure a rate up to 6 months early
- No Broker Fees
- Same-Day Service
- No paperwork
- No valuations
- No credit scoring
- To contact our Team you can call us or use our secure online Virgin Money Product Transfer Form
- We will check your Virgin Money mortgage options and email a full list to you on a single sheet
- Our experienced Team can give you any advice or further information you need to decide on a rate
- Once you have made a decision we secure the new mortgage rate for you
Book early
In the current market, it makes sense to set your Virgin Money mortgage product transfer rate early.
Within six months of your current Virgin mortgage rate ending you can secure a new mortgage rate. That rate will not start before your current rate ends.
If Virgin mortgage rates then rise, your initially secured mortgage rate is held for you.
If Virgin mortgage rates fall, you can swap a reserved mortgage rate to the new lower rate at no cost.
BTL 2 year fixed rates – 60% LTV
2 year fixed BTL
4.29%
Fixed to 01/06/2027
£1,995 product fee
65% loan to value
Early Redemption Charges
1.5% to 01/06/2027
Apply Now2 year fixed BTL
4.59%
Fixed to 01/06/2027
£995 product fee
65% loan to value
Early Redemption Charges
1.5% to 01/06/2027
Apply Now2 year fixed BTL
4.75%
Fixed to 01/06/2027
no product fee
65% loan to value
Early Redemption Charges
1.5% to 01/06/2027
Apply NowVirgin Money mortgage rates for existing customers as of March 28, 2025
BTL 5 year fixed rates – 60% LTV
5 year fixed BTL
4.19%
Fixed to 01/06/2030
£1,995 product fee
65% loan to value
Early Redemption Charges
3.5% to 01/06/2030
Apply Now5 year fixed BTL
4.39%
Fixed to 01/06/2030
£995 product fee
65% loan to value
Early Redemption Charges
3.5% to 01/06/2030
Apply Now5 year fixed BTL
4.49%
Fixed to 01/06/2030
no product fee
65% loan to value
Early Redemption Charges
3.5% to 01/06/2030
Apply NowVirgin Money mortgage rates for existing customers as of March 28, 2025
BTL 2 year fixed rates – 75% LTV
2 year fixed BTL
4.46%
Fixed to 01/06/2027
£1,995 product fee
75% loan to value
Early Redemption Charges
1.5% to 01/06/2027
Apply Now2 year fixed BTL
4.69%
Fixed to 01/06/2027
£995 product fee
75% loan to value
Early Redemption Charges
1.5% to 01/06/20276
Apply Now2 year fixed BTL
4.93%
Fixed to 01/06/2027
no product fee
75% loan to value
Early Redemption Charges
1.5% to 01/06/2027
Apply NowVirgin Money mortgage rates for existing customers as of March 28, 2025
BTL 5 year fixed rates – 75% LTV
5 year fixed BTL
4.34%
Fixed to 01/06/2030
£1,995 product fee
75% loan to value
Early Redemption Charges
3.5% to 01/06/2030
Apply Now5 year fixed BTL
4.49%
Fixed to 01/06/2030
£995 product fee
75% loan to value
Early Redemption Charges
3.5% to 01/06/2030
Apply Now5 year fixed BTL
4.65%
Fixed to 01/06/2030
no product fee
75% loan to value
Early Redemption Charges
3.5% to 01/06/2030
Apply NowVirgin Money mortgage rates for existing customers as of March 28, 2025
7 Great things about Virgin Money Mortgage Rate Deals for existing customers
You can reserve your new deal with us – now
You can reserve a new Virgin Money mortgage rate up to 120 days before your current deal ends. If your new Virgin Money mortgage rate is lower, we can even transfer your product early, saving you money.
You can switch quickly
We can get your new mortgage rate secured within hours in most cases.
We check your eligibility
We establish your mortgage balance and current property value, let you know all the rates available to you, and can advise you on the most suitable for you.
There will be no credit check
A new Virgin Money mortgage rate is available regardless of your recent credit history.
Changes in your circumstances are not a problem
We can arrange a new Virgin Money mortgage rate even if your income has dropped or one borrower has stopped working.
There is no need for a property valuation
We obtain a valuation of your property from Virgin Money, the same day, at no cost.
You do not need a solicitor
You won’t need a solicitor to finalise your new Virgin Money mortgage rate.
Do I need to stay with Virgin Mortgages?
No – you do not need to stay with Virgin Money Mortgages.
If another Mortgage Lender is offering a preferable product you may wish to consider a full re-mortgage.
If you would like our team to explore options outside of Virgin Money with you, we are happy to do this as we are Independent Mortgage Brokers who consider the whole of the market.
Mortgage Product Transfer with another Lender? – click below
- Accord Mortgages Product Transfers
- Aldermore Mortgages Loyalty Rates
- Barclays mortgage rates for existing customers
- BM Solutions Product Transfer rates
- Coventry Building Society new mortgage deals
- Godiva Mortgages Product Transfers
- Halifax Product Transfers
- HSBC Mortgage Customer Switching Rates
- Kensington Mortgages Product Transfers
- Kent Reliance Mortgage Product Transfer rates
- Leeds Building Society Product Transfer rates
- Metro Bank Switch Deals Existing Customers
- NatWest Mortgage switch deals
- Nationwide existing customers rate switch
- Paragon Bank Mortgage Product Switch Service
- Platform Mortgage Rates Existing Customers
- Precise Product Transfers
- Santander Product Transfer rates
- Scottish Widows Bank Mortgage Product Transfer rates
- Skipton Mortgage Customer Switching Products
- The Mortgage Works | mortgage product switches for existing TMW buy to let borrowers